Side-by-side · Q2 2026 data
Spencerport Federal Credit Union vs Westside Community Federal Credit Union
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Credit union
Westside Community Federal Credit Union
Churchville, New York · Under $100 million in assets
Metric by metric
| Measure | Spencerport Federal Credit Union | Westside Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 43 | 60 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 60 | 81 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $43.1M | $25.7M |
| Deposits / shares | $39.0M | $22.8M |
| Capital ratio | 9.27% | 10.97% (stronger) |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | 0.25% | -0.01% (stronger) |
| Return on assets | 0.99% | 1.52% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 57.6% |
| Uninsured deposits | 0.4% (stronger) | 2.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westside Community Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Spencerport Federal Credit Union leads on 2 and Westside Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.